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Insurance Carrier: Genworth Life And Annuity
Discovered my original application 18 years ago was not filled out by me or signed by me. Application has false information regarding medical questions.
Insurance Expert Answer:
You had the policy and 18 years to object or correct and could have stopped paying years ago. You essentially ratified the agent's actions. You may want to write a letter to the CEO of the insurance company explaining that. If there are any false statements on the application, in the event of your death during the first 2 years of the policy, the policy is "contestable" and the company would not pay the claim. Even thereafter, if you never submitted an application, it could be argued that the policy was never validly in force.